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Benefits, Plans and Eligibility Questions

How much does VSP coverage cost?

The company that provides your coverage (either your employer or health plan) determines your out-of-pocket costs. Talk to your benefits manager for details.

Can I purchase an individual and/or family plan if I don't receive vision insurance through my employer or health plan?

Yes. VSP offers individual and family eye care benefits in some states. For details, visit the Individual and Family Plans section of

What do I do if I want to sign up for VSP?

Talk to your benefits manager, or call us at 1.800.877.7195 Monday - Friday 5 a.m. to 8 p.m. and Saturday 6 a.m. to 5 p.m., Pacific Time.

Will VSP coverage save me money?

Yes, with VSP, you'll save. Without coverage, an exam and prescription glasses can cost $300 or more. You'll see additional savings if your healthcare costs are paid through pre-tax payroll deductions.

Do I need an ID card?

An ID Card, or Member Vision Card, isn't required for you to receive services or care. Simply call a VSP network doctor to schedule an appointment and tell them you're a VSP member. The doctor and VSP handle the rest!

If you wish to have a card, you can access your Member Vision Card under the "Benefits & Claims" section of The card is a summary of your benefits and includes information to help you easily manage your vision benefits.

How do I verify my eligibility and plan coverage?

Create an account on to:

  • View your coverage, including eligibility and copayment information
  • Find a VSP doctor near you
  • See details of previous VSP doctor visits and savings (when applicable)
  • Get instructions on how to use your benefit

Am I responsible for a copay when I visit my VSP network doctor?

Yes, if your group's VSP plan includes a copay, you will need to pay it to your doctor during your visit. Copays typically apply to both you and the dependents covered under your VSP plan. To access your copay information, log in to your account. Then select "Benefits with VSP Network Doctors" from the left navigation.

What are some examples of out-of-pocket expenses I might incur when purchasing glasses?

When you visit a VSP network doctor, you'll have access to a wide selection of frames as well as lens enhancements. Examples of out of pocket expenses include:

  • Scratch-resistant coating
  • Anti-reflective coating
  • Ultraviolet (UV) protection
  • Progressive lenses
  • Blended bifocal lenses
  • Most tinted and photochromic lenses
  • Any frame valued at more than your plan's allowance

You may be eligible to receive extra savings on some of these items, so log in to your account and check your plan information for details.

Am I limited to the kind of frames I can choose?

Your VSP frame benefit offers you the freedom to choose from a wide selection of frames that complement your lifestyle. If you choose a frame exceeding your plan allowance, you'll be responsible for paying the overage in addition to any applicable copays at the time of your visit.

Can I choose contact lenses instead of glasses?

Yes, if your group's VSP plan has coverage for contact lenses. If you choose contacts, you may not be eligible to receive any frame and lenses during the same service period. To find out if your plan allows this, log in to your account. Then select "Benefits with VSP Network Doctors" from the left navigation.

Why isn't the contact lens exam covered as part of my routine eye exam?

The contact lens exam is a special exam in addition to your routine eye exam. This special contact lens exam ensures proper fit of your contacts and evaluates your vision with the contacts. Depending on your needs, a doctor will provide training and education based on the type of services and eyewear provided. You should discuss the services that your doctor provides to better understand the value of their contact lens exam, as well as the extent of the services necessary for your individual eye health.